Quora Answer: Can Startup Funding be Insured?

The following is my answer to a Quora question: “Can startup funding be insured?” 

The funds themselves cannot be insured.  The company is insurable, but the coverage cannot be based only on the cash, since underwriting will typically take liquid cash at around 10% its value.  The company exposure can be insured such as liability insurance of various types.  All these are forms of general insurance.  The company directors, and key personnel may be insured.  These may be general and life insurance.  Company staff may be insured.  This includes health insurance for all.